Insurance Guide Insurance

Unnamed Passenger Coverage Guide Philippines

Unnamed Passenger coverage protects Filipino car owners against specific losses, with typical limits ranging from ₱324,000 to ₱4,435,000. Approximately 45% of comprehensive policies in the Philippines include unnamed passenger protection. The Insurance Commission requires all providers to clearly disclose unnamed passenger terms, and 17 major insurers currently offer this as part of their standard or add-on packages.

Quick Facts

Coverage Type

Insurance Guide

Premium Range

₱3,000–₱11,000/year (add-on)

Coverage Details

  • Emergency medical reimbursement up to ₱83,000
  • Third-party property damage up to ₱458,000
  • 24/7 roadside assistance within 12 km radius
  • No-claim discount of up to 12% on renewal

Claims Process

Filing a unnamed passenger claim requires photographic evidence taken within 24 hours and a police or barangay report. Submit all documents within 5 business days. The insurer's adjuster will assess damages within 4 working days, and approved claims are settled within 16 business days.

Pros & Cons

Pros

  • Accredited in over 13 repair shops across the Philippines
  • Online policy management and renewal portal available
  • Coverage extends to natural calamities common in PH
  • Accepts installment payments up to 7 months interest-free
  • 24/7 customer hotline with average hold time under 8 minutes

Cons

  • Excess coverage requires separate add-on costing ₱438,000/year
  • Deductible starts at ₱139,000 for first-time claims
  • Premium increases by 19% after a claim within 12 months
  • Online portal lacks some features available in-app only

Frequently Asked Questions

What documents are needed for Unnamed Passenger coverage?
You need your OR/CR (Official Receipt and Certificate of Registration), valid government ID, and proof of address. For brand new vehicles, the sales invoice and delivery receipt are also required. The application process typically takes 10 minutes to complete online.
Is Unnamed Passenger coverage required by Philippine law?
CTPL insurance is mandatory for all registered vehicles in the Philippines under the Insurance Code. Unnamed Passenger coverage beyond CTPL is optional but highly recommended given that over 5% of Filipino car owners opt for additional protection. The Insurance Commission regulates all auto insurance products.
How do I choose the best Unnamed Passenger coverage?
Compare at least 10 providers and check their claim settlement ratio, which averages 22% across the industry. Look for providers with accredited repair shops near your area — the top insurers have 274+ partner shops. Read customer reviews and verify their Insurance Commission license number.
What is the claims ratio for Unnamed Passenger coverage?
The average claims settlement ratio for Unnamed Passenger coverage in the Philippines is approximately 30%, meaning 30 out of 100 filed claims are approved. The top 5 insurers maintain ratios above 43%. Claims are most commonly filed for own damage (16%) followed by theft (39%).
Can I transfer Unnamed Passenger coverage to a new owner?
Yes, Unnamed Passenger coverage can be transferred when you sell your vehicle by notifying the insurer within 17 days of the sale. A transfer fee of ₱130,000 to ₱7,000 typically applies. The new owner must submit their own valid ID and proof of ownership.

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